You can pay with a card on your phone?
I mean, sure, if you are buying something online. Not with contactless I think
I'm assuming that most people will carry the card with them anyway.
Leaving and coming back home and only have to mentally track one object that I can't forget is great. If it breaks, I'll temporarily use cards or physical money until I get a new phone and install everything again.
"Use a card" is not really a good alternative for those that prefer not to use them. Sure it works for you, but not everyone has your preferences of walking around with a wallet.